Want to Work with Really Great People?
The lifeblood of LenderLive is our people. We are a tight-knit group and we're passionate about what we do. If you thrive on challenges and collaboration, and work hard no matter who is watching, we want to talk to you. At LenderLive, we believe it's possible to love coming to work.
We don't do easy here. Standards are high, and we take pride in exceeding expectations. It's how we've gotten to where we are, and it's how we grow. We are a mid-sized company with a big heart. If you're looking for an opportunity that's authentic, meaningful and emphasizes living a balanced life, LenderLive is the place for you.
An Underwriter III reviews residential mortgage loan applications and all applicable documentation to render lending decisions in accordance with GSE, government, client and/or internal LLN guidelines. Team player who will work closely with internal and external customers to provide outstanding customer service.
Underwriting conventional, jumbo, and/or portfolio loans within established SLA requirements while maintaining file quality which includes rendering credit decisions with appropriate conditions and clearing conditions on files according to LLN and/or client guidelines
Perform data input and reconcile LP and DU findings to ensure data integrity and compliance with LLN/Client guidelines/criteria
Review and analyze credit reports to assess residential and employment histories, current liabilities, payment patterns, derogatory credit and public records to ensure profile meets LLN/Client guidelines
Navigate multiple guideline sources to ensure compliance with agency, client and
Analyze residential appraisal reports
Review preliminary title reports
Accurately analyze and calculate income from various income sources including but not limited to hourly, salaried, commission, fixed income and complex self-employment
Analyze various asset statements including, but not limited to, checking, savings, 401K, etc.
Effectively communicate lending decisions in a positive and professional manner
Identify and review red flags when reviewing application information and documentation including income, occupancy and assets.
High school Diploma or GED
Minimum of 5+ years front line underwriting in a fast paced mortgage environment
Experience with automated underwriting systems (DU/LP)
Experience with fraud tools, i.e. LoanSafe or Fraduguard is preferred
FHA CHUMS is preferred
VA LAPP/SAR is preferred
Essential Knowledge, Skills & Abilities:
Strong sense of urgency and initiative
Ability to work collaboratively with others
Excellent verbal and written communication skills
Excellent problem solving skills
Thorough understanding of credit and an ability to review complex financial documents
Ability to make independent credit decisions
Strong organizational skills
Ability to multi-task and handle high work volumes
Capacity to work in a team-oriented environment
Ability to prioritize multiple competing tasks and manage time effectively in a fast-paced environment, while practicing sound lending judgment
Mentor for other team members
Work is performed in climate controlled indoor administrative office setting. The noise level in the work environment is usually quiet to moderate, depending upon office or meeting location.
While performing the duties of this job, the employee is regularly required to communicate. The employee frequently is required to remain stationary. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move 10 pounds. Vision: Close and distance required with ability to see objects in presence of glare or bright lighting (e.g., computer screen). Speech/Hearing: Frequently interact with management, vendors, coworkers, industry constituents, clients and the public.
LenderLive offers an extensive benefits package for all employees, including medical, dental, vision and 401k!
LenderLive is committed to equal opportunity in all employment practices to all qualified applicants and employees without regard to race, color, religion, gender, gender identity, age, national origin, pregnancy, disability, genetics, marital status, military or veteran status or any other protected category as established by local, state and federal law. This policy applies to all aspects of the employment relationship including recruitment and hiring, placement, promotion, transfer, compensation, disciplinary action, layoff, leaves of absence, training and termination. All such employment decisions will be made without unlawful discrimination based on any prohibited basis.
The essential functions, working conditions and physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.
Meet Some of LenderLive's Employees
Kurt develops, designs, and maintains the reports that the business uses to make decisions. He also serves on the internal Employee Wellness and Activities Committee.
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